Straight answers about eligibility, documents, rates, and the application process.
A stronger credit history generally improves your chances and the rate you're offered, but this site does not perform a real CIBIL/bureau pull. The "Basic eligibility check" uses simple, visible rules — age, income, employment, existing EMIs — and is not a substitute for the lender's actual credit assessment, which happens after you apply.
It varies by loan type, roughly ₹15,000–₹25,000 per month as an indicative minimum. See the specific loan type on the Loan Products page for exact figures.
Yes. Self-employed applicants are usually asked for the last 2 years' ITR and recent bank statements instead of salary slips.
A "does not meet" result on the basic check isn't a rejection — it just flags something worth discussing directly, such as a co-applicant, a different loan amount, or a different tenure.
Using the standard reducing-balance formula: EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan amount, r is the monthly interest rate, and n is the tenure in months. It's a genuine calculation based on what you enter, not a fixed or pre-filled number.
Because the actual rate you're offered depends on your credit profile, income and the specific loan amount and tenure — it's set at the time of assessment, not fixed in advance for everyone.
Usually yes. Foreclosure/prepayment charges vary by loan type and how far into the tenure you are. Always confirm the exact figure in your Key Fact Statement (KFS) before signing.
Typically: PAN card, Aadhaar (or another address proof), a recent photograph, and income proof — salary slips and bank statements if salaried, or ITRs and business bank statements if self-employed.
It depends on how quickly documents are verified and your credit assessment is completed, so we won't quote a fixed number. Every step — eligibility, EMI, documents, fees — is visible to you before you apply, so there's no guessing about what happens next.
Checking eligibility, viewing rates and using the EMI calculator on this site costs nothing. Be cautious of anyone asking for an upfront "processing" or "unlocking" fee before disbursal — legitimate lenders deduct processing fees from the loan amount itself, they don't ask you to pay separately in advance.
See the RBI Guidelines & Grievance Redressal page for the escalation process and timelines.
Reach out and we'll walk you through anything that isn't covered here.